Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Carmen Munoz

My 15 year old Rockie

I have a 15 year old dachshund and we have had embrace insurance her entire life! All surgeries, meds and visits have been possible because of having this insurance. She is still up and walking to this day! Thank u embrace pet insurance!
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5

out of 5

POSTED: | BY: M.McGale

5 Star Service

The customer service reps are very helpful and explain the policy very clearly. Claims are handled quickly and hassle free. Thank you!
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5

out of 5

POSTED: | BY: Paul

Embrace Pet Insurance is the Best!

Embrace has always handled my kitties vet bills quickly and the communication is excellent. I would definitely refer pet owners to enroll their fur babies with Embrace. The plans offered are very reasonable and provide great coverage. Keep up the good work!
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5

out of 5

POSTED: | BY: Charles Marshall

No Surprises

Took far less time than Embrace said it may take and they paid my claim. Great to not have to go through a wringer. Submit the vet receipt answer a couple questions and bam money back in my account.
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1

out of 5

POSTED: | BY: Leslie

I should’ve known what they do isn’t…

I should’ve known what they do isn’t help us cover our animals. Their purpose is to find all the ways in which they can deny our claims. Anything will be pre existing to them, and if it wasn’t pre-existing before you got the insurance, when the animal gets injured, they’ll only cover it ONCE and then it becomes pre-existing. Also, they raise their prices every year claiming it’s based on the area where we live. They tried to increase my monthly payment by over 40 dollars. Last thing, they do not cover in Puerto Rico even though it’s a US territory. I do not recommend.
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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